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NCT!!

  • 02-03-2013 7:44pm
    #1
    paddyd8
    Registered Users, Registered Users 2 Posts: 47 ✭


    does a car need to be insured to be able to go through an NCT??


Comments

  • #2
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    paddyd8 wrote: »
    does a car need to be insured to be able to go through an NCT??

    No.


  • #3
    jimmycrackcorm
    Registered Users, Registered Users 2 Posts: 14,378 ✭✭✭✭jimmycrackcorm


    Curious to see how you can get a car to the NCT centre without insurance....


  • #4
    zenno
    Closed Accounts Posts: 5,377 ✭✭✭zenno


    jimmycrackcorm wrote: »
    Curious to see how you can get a car to the NCT centre without insurance....

    Well a person would be a right tool if they got the car insured first just to get it NCT'd. Imagine that, there you go and pay a few ton to get it insured and bring it to the NCT later to only find out that it's a pile of garbage and needs to be buried deep in the ground. You just pay for a towing of the vehicle to the NCT place and back.


  • #5
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    jimmycrackcorm wrote: »
    Curious to see how you can get a car to the NCT centre without insurance....

    F.e. someone else who has "third party extension" can drive it (not the owner).


  • #6
    Bigcheeze
    Closed Accounts Posts: 2,858 ✭✭✭Bigcheeze


    CiniO wrote: »
    F.e. someone else who has "third party extension" can drive it (not the owner).

    I'm fairly sure that a third party extension does not apply to uninsured vehicles.


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  • #7
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Bigcheeze wrote: »
    I'm fairly sure that a third party extension does not apply to uninsured vehicles.

    Some don't, but most of them does.
    I haven't yet been with insurer which would require a car to be insured by owner to make OK for me to drive it using third party extension.


  • #8
    shooter88
    Registered Users, Registered Users 2 Posts: 405 ✭✭shooter88


    I Wang my insurance company specifically to ask this and they said.
    It's the driver covered to drive any car once it is taxed and tested and won't need to be insured by owner as you are insured this how ever excluded any commercial vehicles,jeeps,campers,people carriers etc...
    Asked out of interest they will cover you on a super car 3pft


  • #9
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    shooter88 wrote: »
    I Wang my insurance company specifically to ask this and they said.
    It's the driver covered to drive any car once it is taxed and tested and won't need to be insured by owner as you are insured this how ever excluded any commercial vehicles,jeeps,campers,people carriers etc...
    Asked out of interest they will cover you on a super car 3pft

    Are you sure they will cover third party fire and theft.
    I think it's only third party while you are driving this car.
    Once you park it somewhere it's not covered anymore by your policy that's why fire and theft can't work.

    My policy also limits it, that vehicle can not belong to my employer.
    Also it works only in Ireland, not abroad - this was changed recently as it worked abroad with my insurer up to recently.


  • #10
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    Bigcheeze wrote: »
    I'm fairly sure that a third party extension does not apply to uninsured vehicles.

    I thought this too but my policy now covers me comp. on other cars even if they have no insurnance in place. The car has to be taxed and road worthy so that would indeed be a snag in driving it for an NCT test (assuming its out of test) as surely one would need valid nct to be considered roadworthy by insurers.


  • #11
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    mickdw wrote: »
    I thought this too but my policy now covers me comp. on other cars even if they have no insurnance in place. The car has to be taxed and road worthy so that would indeed be a snag in driving it for an NCT test (assuming its out of test) as surely one would need valid nct to be considered roadworthy by insurers.

    Which company offers comprehensive cover for "driving other cars extension" ?


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  • #12
    Jimdagym
    Registered Users, Registered Users 2 Posts: 3,844 ✭✭✭Jimdagym


    CiniO wrote: »
    Which company offers comprehensive cover for "driving other cars extension" ?

    I am with RSA and I have fully comp on driving other cars. Must not be bigger than 2.5l though.


  • #13
    Osborne
    Registered Users, Registered Users 2 Posts: 310 ✭✭Osborne


    N.C.T.'d my car without insurance last week OP.
    jimmycrackcorm wrote: »
    Curious to see how you can get a car to the NCT centre without insurance....

    Trailer?
    Bigcheeze wrote: »
    I'm fairly sure that a third party extension does not apply to uninsured vehicles.

    Fairly sure? It depends on the policy but it can be done. And I'm 100% sure.


  • #14
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Jimdagym wrote: »
    I am with RSA and I have fully comp on driving other cars. Must not be bigger than 2.5l though.

    Does the value of the car your are driving matter or is it unlimited?
    F.e. if your comprehenvise policy is on a car worth f.e. 5k, would it cover comprehenve driving other car worth f.e. 50k ?


  • #15
    Jimdagym
    Registered Users, Registered Users 2 Posts: 3,844 ✭✭✭Jimdagym


    CiniO wrote: »
    Does the value of the car your are driving matter or is it unlimited?
    F.e. if your comprehenvise policy is on a car worth f.e. 5k, would it cover comprehenve driving other car worth f.e. 50k ?

    I am sure there is a limit. I was not told. I specifically asked what the limits were and was told the only limit was engine size. Its not something I use ever, but if I was to drive something pricey on it I would seek clarification first. It was mentioned to me as part of the policy I was already buying, it wasnt one of the reasons I was choosing the cover.


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